Car Insurance in Gurgaon

Accidental Damage

Covers repair expenses for your vehicle arising from unforeseen accidents, collisions, or impacts during regular and lawful driving.

Theft and Total Loss

Provides compensation if the insured vehicle is stolen or assessed as a total loss as per policy terms.

Natural Calamities

Protects your vehicle against damage caused by floods, storms, earthquakes, cyclones, landslides, and urban waterlogging.

Fire and Explosions

Covers vehicle damage resulting from fire, self-ignition, explosions, or lightning during the policy period.

Third-Party Liability

Covers legal liability for third-party bodily injury, death, or property damage arising from the insured vehicle’s use.

Personal Accident Cover

Provides financial compensation to the owner-driver in case of accidental death or permanent disability.

Driving Without a Licence

Excludes claims if the vehicle is driven by a person who does not hold a valid driving licence.

Driving Under the Influence

No coverage is provided for losses occurring while the driver is under the influence of alcohol or drugs.

Wear and Tear

Does not cover damages arising from normal wear, ageing, depreciation, or gradual deterioration of vehicle components.

Mechanical/Electrical Failures

Excludes losses caused by mechanical or electrical breakdowns that are not directly linked to an insured accident.

Illegal Activities

Does not provide coverage for accidents occurring while the vehicle is involved in racing, speed testing, or unlawful activities.

Expired Policy

Claims are not admissible if the insurance policy has lapsed, expired, or been inactive at the time of loss.